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Last fall one of my tube amps at our beach house went up in flames . The damage to the house was extensive , my insurance company is fixing the damaged to the house and will replace the amps but want to have the other audio equipment checked out and if necessary repaired . The house and all the equipment was fully insured . I want the equipment including turntable replaced , the turntable suffered only a broken arm . When the fire fighters were done all the equipment was completely drenched . The pressure from the fire hoses knocked most of the equipment from the stand , then sat on the floor in several inches of water for a long period of time , as I was not allowed to re-enter the house .
Am I being unreasonable with my request for new equipment and is there a good way to handle this situation ?
Apparently there is more damage to the house than originally thought . They are going to scrap the house and pay us out .
We may bid on the lot when it goes on the market , it is a beautiful spot over looking the lake and beach and only 35 minutes from are main house .
In big losses, it's always best to have an adjustor working for you.
Water damages electronics. Your equipment should be professionally examined and you should obtain a written opinion/estimate for repair from the shop. That should bolster your claim.
My shop has a simple warranty that applies to your situation:
1. You can return it because it fails.
2. You can return it because you don't like it.
3. If you drop it or wash it, you own it. Electronics are not dishwasher safe.
Have you carefully read your policy to determine two things:
Do I have full replacement coverage? AND
Are there specified limits on certain categories?
I would be surprised if your policy has both.
No you are not being unreasonable. Electronics and liquid do not mix!! If they start giving you a problem then you should take the equipment to a technician and explain what happened to the equipment and if possible for him to sign an affidavit explaining that the equipment was ruined due to water damage. If that does not satisfy them The insurance company may require you to send the gear back to the manufacturer to have it repaired or checked out.
Hope this helps,
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